FinWise Bancorp (FINW)
FinWise Bancorp Statistics
Share Statistics
FinWise Bancorp has 13.21M shares outstanding. The number of shares has increased by 3.06% in one year.
| Shares Outstanding | 13.21M |
| Shares Change (YoY) | 3.06% |
| Shares Change (QoQ) | 0% |
| Owned by Institutions (%) | 26.02% |
| Shares Floating | 8.94M |
| Failed to Deliver (FTD) Shares | 100 |
| FTD / Avg. Volume | 0.38% |
Short Selling Information
The latest short interest is 37.54K, so 0.28% of the outstanding shares have been sold short.
| Short Interest | 37.54K |
| Short % of Shares Out | 0.28% |
| Short % of Float | 0.42% |
| Short Ratio (days to cover) | 2.32 |
Valuation Ratios
The PE ratio is 10.24 and the forward PE ratio is 18.5. FinWise Bancorp's PEG ratio is -0.35.
| PE Ratio | 10.24 |
| Forward PE | 18.5 |
| PS Ratio | 2.79 |
| Forward PS | 2.2 |
| PB Ratio | 1.15 |
| P/FCF Ratio | 37.18 |
| PEG Ratio | -0.35 |
Enterprise Valuation
FinWise Bancorp has an Enterprise Value (EV) of 68.22M.
| EV / Earnings | 3.91 |
| EV / Sales | 1.07 |
| EV / EBITDA | 2.47 |
| EV / EBIT | 2.86 |
| EV / FCF | 14.19 |
Financial Position
The company has a current ratio of 0.49, with a Debt / Equity ratio of 0.04.
| Current Ratio | 0.49 |
| Quick Ratio | 0.49 |
| Debt / Equity | 0.04 |
| Total Debt / Capitalization | 4.02 |
| Cash Flow / Debt | 1.89 |
| Interest Coverage | 2.39 |
Financial Efficiency
Return on equity (ROE) is 0.11% and return on capital (ROIC) is 10.81%.
| Return on Equity (ROE) | 0.11% |
| Return on Assets (ROA) | 0.03% |
| Return on Capital (ROIC) | 10.81% |
| Revenue Per Employee | $326,535.71 |
| Profits Per Employee | $89,081.63 |
| Employee Count | 196 |
| Asset Turnover | 0.11 |
| Inventory Turnover | n/a |
Taxes
| Income Tax | 6.35M |
| Effective Tax Rate | 0.27 |
Stock Price Statistics
The stock price has increased by 113.33% in the last 52 weeks. The beta is 0.79, so FinWise Bancorp's price volatility has been higher than the market average.
| Beta | 0.79 |
| 52-Week Price Change | 113.33% |
| 50-Day Moving Average | 17.75 |
| 200-Day Moving Average | 14.73 |
| Relative Strength Index (RSI) | 54.22 |
| Average Volume (20 Days) | 26.02K |
Income Statement
In the last 12 months, FinWise Bancorp had revenue of 64M and earned 17.46M in profits. Earnings per share was 1.38.
| Revenue | 64M |
| Gross Profit | 57.46M |
| Operating Income | 23.81M |
| Net Income | 17.46M |
| EBITDA | 27.62M |
| EBIT | 23.81M |
| Earnings Per Share (EPS) | 1.38 |
Balance Sheet
The company has 116.97M in cash and 6.49M in debt, giving a net cash position of 110.49M.
| Cash & Cash Equivalents | 116.97M |
| Total Debt | 6.49M |
| Net Cash | 110.49M |
| Retained Earnings | 103.84M |
| Total Assets | 683.03M |
| Working Capital | 272.34M |
Cash Flow
In the last 12 months, operating cash flow was 12.27M and capital expenditures -7.46M, giving a free cash flow of 4.81M.
| Operating Cash Flow | 12.27M |
| Capital Expenditures | -7.46M |
| Free Cash Flow | 4.81M |
| FCF Per Share | 0.38 |
Margins
Gross margin is 89.78%, with operating and profit margins of 37.21% and 27.28%.
| Gross Margin | 89.78% |
| Operating Margin | 37.21% |
| Pretax Margin | 37.21% |
| Profit Margin | 27.28% |
| EBITDA Margin | 43.16% |
| EBIT Margin | 37.21% |
| FCF Margin | 7.51% |
Dividends & Yields
FINW does not appear to pay any dividends at this time.
| Dividend Per Share | n/a |
| Dividend Yield | n/a |
| Dividend Growth (YoY) | n/a |
| Payout Ratio | n/a |
| Earnings Yield | 7.07% |
| FCF Yield | 1.86% |
Analyst Forecast
The average price target for FINW is $22, which is 12.7% higher than the current price. The consensus rating is "Buy".
| Price Target | $22 |
| Price Target Difference | 12.7% |
| Analyst Consensus | Buy |
| Analyst Count | 3 |
Scores
| Altman Z-Score | 1.21 |
| Piotroski F-Score | 5 |